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"The Karma News" by Past Forward, Past Life Healing

"The Karma News" is a FREE E-zine from Past Forward, Past Life Healing, of Marlton, NJ, USA. Prepared for friends, clients, and opt-in subscribers of Read by the spiritually aware and karmically minded world wide.

IN THIS ISSUE: This Month's Theme - Debt

1) Good Karma Health Tip: "About Using Debt to Avoid Emotions"
2) Good Karma Prosperity Tip: "Are You a Compulsive Debtor?"
3) Good Karma Relationship Tip: "About Using Debt to Show Love"
4) Featured Page on the Site: "Abundance Healing Program"
5) Karma in the News: "Addicted to Shopping Labeled OCD"
6) Karma at the Movies: "Financial Misfortune: Sense & Sensibility"
7) The Abundant Universe, Inspirational Quote, & Good Deed for the Month

"About Using Debt to Avoid Emotions"

If you are in debt, you are not alone. The majority of Americans and others in industrialized countries are in debt. In a very real sense, the entire world economy revolves around debt. Debt may be fine for nations but it is less fine for people, especially when it is used as a means for acting out emotions they are otherwise avoiding. For in doing so, bad financial karma is the usual result.

Karma is a Sanskrit word which means action when translated into English. How karma drives you into action is through creating experiences designed to trigger emotions, better known as "energy in motion". So when someone seeks to avoid emotions that is bound to lead to "bad" karma. That karma comes up very fast when people chose to use debt as the means of avoiding their emotions.

Unconsciously, those who use debt to avoid emotions are actually putting themselves into a position where they will have to deal with it. For money borrowed must eventually be repaid. Maybe family members will not press them for repayment but financial institutions surely will. The anxiety this causes will simply bring back the emotions that debt covered in even greater force.

For example, a client, Arlene, grew up in a poor family but was lucky enough to go to a good school. Most of her classmates were from families who were financially comfortable. She saw them growing up with all the things she had to do without. Arlene became determined "not to live poor" as an adult and so she worked hard in school. She got a good scholarship and emerged from school debt free.

Arlene was thrilled to get her first credit card... and that was when her financial troubles started. She charged up a storm buying what she had been so long denied. Since she could deny herself nothing, Arlene soon got into major credit card problems. She was smart enough to work her way out of them... but the next year found herself back in trouble. Over the years, she kept repeating the pattern of being in and out of debt and became more financially stretched.

Finally, a series of emergencies maxed out her financial resources. All the emotions from her childhood about being poor flooded back to her... but now she could not use debt to avoid them. So she had to confront her emotions. In her childhood, Arlene had felt punished by her poverty. In her adulthood, she continued to punish herself by racking up debt. So she used
Emotional Freedom Technique to release those emotions... and she broke her debting habit.

Arlene was fully able to do so because she accepted responsibility for misusing money in past lives. Her poverty in childhood was meant to get her to appreciate what a gift abundant money is... in past lives, she had always taken money for granted. Her spendthrift habits in her adulthood were playing out the "abuse" of money from past lives... spending it without any regard for using it responsibly.

Once she had learned her lessons, Arlene got into right relationship with money and emotions and transcended her financial karma. You can do this too: if only you will not use money to avoid your emotions!

"Are You a Compulsive Debtor?"

Are you a compulsive debtor? If you have four or more of these "Twelve Signs of Compulsive Debting", then you are a compulsive debtor. These 12 signs are based upon the experience of the "Debtor's Anonymous" at

" 1. Being unclear about your financial situation. Not knowing account balances, monthly expenses, loan interest rates, fees, fines, etc.

 2. Frequently "borrowing" items such as books, pens, or small amounts of money from friends and others, and failing to return them.

 3. Poor saving habits. Not planning for taxes, retirement or other not-recurring but predictable items, and then feeling surprised when they come due; a "live for today, don't worry about tomorrow" attitude."

 4. Compulsive shopping: Being unable to pass up a "good deal"; making impulsive purchases; leaving price tags on clothes so they can be returned; not using items you've purchased.

 5. Difficulty in meeting basic financial or personal obligations, and/or an inordinate sense of accomplishment when such obligations are met.

 6. A different feeling when buying things on credit than when paying cash, a feeling of being in the club, of being accepted, of being grown.

 7. Living in chaos and drama around money: Using one credit card to pay another; bouncing checks; always having a financial crises.

 8. A tendency to live on the edge: Living paycheck to paycheck; taking risks with health and car insurance coverage; writing checks hoping money will appear to cover them.

 9. Unwarranted inhibition and embarrassment in what should be a normal discussion of money.

10. Overworking or under earning: Working extra hours to earn money to pay creditors; using time inefficiently; taking jobs below your skill and education level.

11. An unwillingness to care for and value yourself: Living in self-imposed deprivation; denying your basic needs to pay your creditors.

12. A feeling or hope that someone will take care of you if necessary, so that you won't really get into serious financial trouble, that there will always be someone you can turn to."

If you have concluded that you are a compulsive debtor, remember that you are not alone. Sarah Ferguson, Duchess of York, better known as "Fergie", will most likely be working the rest of her life to pay down the debt she incurred as a "royal". Your situation has to be better than that and, again from Debtor's Anonymous, here are some actions you can take to turn your debt situation around.

Debtors Anonymous "have found these actions essential to recovery."

"Abstinence: We practice abstinence by not incurring unsecured debt one day at a time. Unsecured debt is any debt that is not backed up by some form of collateral, such as a car, house, etc.

Meetings: We attend meetings at which we can share our experience, strength and hope with one another. Unless we give to newcomers what we have received from D.A. we cannot keep it ourselves.

Record Maintenance: We maintain records of our daily income and expenses and of the retirement of any portions of outstanding debts.

Support Process: We maintain constant contact with other D.A. members. We make a point of talking to other D.A. members before and after taking difficult steps in our recovery.

Spending Plans: We formulate a spending plan, which puts our needs first, and an action plan, for resolving our debts and taking the first steps toward solvency.

Business Meetings: We attend business meetings held monthly. Many of us have long harbored feelings that "business" was not a part of our lives, but for "others" more qualified. Yet participation in running our own program teaches us how our organization operates, and also helps us to become responsible for our own recovery."

Debt does not have to ruin your life... if it is, please get the help that you need as soon as possible for your peace of mind.

"About Using Debt to Show Love"

One of the main reasons why people get into financial trouble is that they use debt to keep them from feeling their fears of abandonment and being alone. As in "I love you so I went out and got you that huge diamond ring you wanted... of course, I charged it because it was pricey but it was worth it if it makes you happy".

What they are really saying is "it was worth it if you will only stay with me... please don't leave me alone, I will do anything you want".

Debting in this manner becomes a way of staying connected to another. As in "If I spend lots of money on you, then you cannot forget about me and/or you will have to love me". For most people fear running out of loved ones more than running out of money. This makes them willing to spend anything to avoid being alone.

Some people will rack up huge debts to buy those they love things they cannot afford in an attempt to keep them happy. The sad fact is that if another will not stay with you because you love them, things eventually will not hold their interest. In those cases, once your money runs out so will their love for you. And then you will have manifested your deepest fear because then you will be alone.

Worse, your debt will compound the situation by creating feelings of fear, guilt, shame, sadness, inadequacy, emptiness, darkness, and - worst of all - self hate. Congratulations... these are the feelings buried deep inside you that have been forced to the surface by your debt. Once they have surfaced, you can heal them... for good.
Emotional Freedom Technique is a great tool to assist in this process.

For once you express and release these unresolved negative feelings the quality of your life will change: it has to.

Present and past life healing work the same in this regard: you need to feel it and understand it in order to heal it. You will find that once you feel better about yourself, you can let go of your need to be in debt and develop healthier ways of expressing love for others.

"Abundance Healing Program"

"Ask and Ye Shall Receive" is what God wants us all to do. God created a rich universe filled with unimaginable abundance with plenty for everyone. All you need to do to claim your Divine Birthright of abundance is to "Knock and it shall be opened unto you".

The goal of this month's featured page is to draw you into the "Abundance Channel". The universe is waiting for you to become all that you can be. Abundance is the means for you to become a fully realized being. If you are truly ready to move forward in your life, this Abundance Healing Program can get you there.

The most important part of this exercise is adopting the following set of beliefs about the nature, purpose, and use of money.

"I am receptive to the circulation of God's abundance to me in the form of money, energy, joy, and love. Money is the physical manifestation of God's love for me in form. Money is God's means of circulating spirit in the world of finance. Money is God in action in my life and is wondrous, wholesome, and a blessing for everyone. Money allows me to become all of who God wants me to be.

I believe it is my birthright to partake in the abundance of the universe. I deserve to have an abundance of money and am now prospered with it in my life. I have more than enough money for all I want and need. I always use my money wisely and responsibly. I am generous with my money and circulate it for the greatest good of myself and all others concerned. I know money is good for me and others.

Money is God's activity in my life, in my bank accounts, in my investments, and in all that I lay my hands to. All the money that flows to me is free. My money is God's money: I let it flow in and I let it flow out. I am always confident that there is plenty of money available to me to support the achievement of all my dreams.

As I release money, I know that it will come back to me a thousand fold. The Lord is my shepherd and I shall not want for anything I desire. Money brings me freedom. I rejoice in money: I appreciate it and I thank God for it. I always have and always will have this abundance freely flowing to me now and forevermore world without end. I manifest all these beliefs into my reality now. Amen."

When you can believe in all of the above with your whole heart, you will be well on your way to leaving your debt behind you.

"Addicted to Shopping Labeled OCD"

The past is still present even in the present day news.

From ABC News Good Morning America: May 9, 2001 "At the annual American Psychiatric Association convention, two new illnesses surfaced under the heading of
Obsessive Compulsive Disorders: Compulsive Shopping and Skin Picking (also known as Self Mutilation or Self Harm Syndrome).

"According to Dr. Lorrin Koran of Stanford University, as many as eight percent of all Americans might be compulsive shoppers and approximately 90 percent of them are women. "I have been out of control with my spending compulsion for about 10 years," one woman who suffers from compulsive shopping said. "Many times, I would come home and think "What did I buy?" I spent $125 and what did I buy? And couldn't remember a single thing."

"Koran, the study's head researcher, reasoned that compulsive shopping is a type of obsessive-compulsive disorder, an illness that drives people to do what they do not want to do..."

"Compulsive shoppers can experience similar emotions as drug users. They feel euphoric when they buy and spend and it's a way to relieve mounting tension and anxiety for them. But those feelings crash after the shopping spree is over, and guilt sets in. Then the frenetic shoppers head back to the stores for even bigger shopping highs."

"Dr. Jack Gorman, a Columbia University professor who is one of the country's leading experts on obsessive-compulsive disorder, says compulsive shopping is a matter of degree. As is the case with many psychiatric illnesses, the dividing line comes when the behavior interferes with the person's ability to live their life normally, Gorman says. Usually, compulsive shoppers recognize that they don't need the items they buy, but they can't stop shopping."

Every attitude and belief you have comes from somewhere sometime.
Obsessive Compulsive Disorder (OCD) in this lifetime is usually directly traceable back to a past life where the disempowering trait or behavior was created. The spiritual purpose of OCD is force the individual to seek the answer to why they are now being "plagued" with thoughts and behaviors that they have no control over.

The obsession to do or not do a particular thing or act in a certain way was created in a past life. It is a spiritual truism that everything comes from somewhere and at one time every thought, belief, and attitude made sense. Often the obsession is the body-mind's way of "belatedly" protecting the individual from "dying" even though "death" is not a realistic possibility. It will not stop until the past life is healed.

The compulsion is like having a knife stuck in your back. No matter how much you bandage the wound, you will not heal it until the knife is pulled out. The past goes right on sending the pain of compulsion which goes on feeding the undesirable present day obsession until the obsessive-compulsive pain is stopped at it's source… the past life.

Past life healing is just another form of the "cognitive behavioral therapy" that most experts agree is necessary. Drugs are NEVER the answer in training people to stop acting compulsively. For the only delay the hard work required by "cognitive behavioral therapy".

For the whole story from ABC NEWS, "Addicted to Shopping, Skin Picking: Two New Illnesses Labeled OCD" go to ABC News.

"Financial Misfortune: Sense & Sensibility"

Sense & Sensibility, based on the novel by Jane Austen, might better be entitled, "Coping With Financial Misfortune". When wealthy Mr. Dashwood dies suddenly, he is forced by law to leave his fortune and his vast estate to his son by a previous marriage. This leaves his second wife and two daughters destitute overnight. His son and wife are greedy and grasping people. They unceremoniously insist that Mr. Dashwood's second family vacate their home as soon as possible.

Luckily for the Dashwoods, other rich and kinder relatives took them in. Elinor, the elder daughter, the one ruled by her head (Sense), was the only one who truly appreciated how close to real poverty the family had become. The only time she becomes truly upset with her younger sister, Marianne, the one ruled by her heart (Sensibility), is when she complains about the "hard terms of their rent" which is listening to their relatives' incessant chatter.

Elinor sharply reminds her sister that things could have been much worse for them. At least in their new situation, the Dashwoods can keep up a genteel poverty even if this "materially damages" their prospects for marriage. Marianne finds this out the hard way when she loses her heart to their neighbor Willoughby who chooses to trade his looks for a wealthy marriage and turn his back on love.

So Marianne must settle for the kindly, but haunted Colonel Brandon. As their chatty relative puts it: "she is beautiful, he is older but rich, it is a highly eligible match". Ironically, it is Elinor who is able to marry Edward, the man she has fallen in love with, when he chooses his love for her over his family's fortune. Of course, it is Colonel Brandon who rescue Edward and Elinor by offering him a paying position on his estate so that all can live happily ever afterward.

This whole story is an elegant illustration of the widely held idea that one can only have money or love but not both. That is simply not true. As long as you hang on to this antiquated notion, for sure you will not attract neither the money nor the love you desire.

Gotta pay my web fees... so please read on!

Special Thanks to Clients from Exotic Places:

Thanks to those who helped to support our holistic business this month. God Bless America and Canada... North America is our home and the source of most of our wonderful clients to whom we are grateful for supporting our work. Special thanks to international customers for their support this month.

Inspirational Quote for the Month:

"Do not accustom yourself to consider debt only as an inconvenience. You will find it a calamity."
(Samuel Johnson)

"Annual income twenty pounds, annual expenditure nineteen pounds six, result happiness. Annual income twenty pounds, annual expenditure twenty and six, result misery."
(Mr. Micawber, Charles Dicken's David Copperfield)

"Neither a borrower nor a lender be."
(Polonious, Shakespeare's Hamlet)

Good Deed for the Month:

"Debtors Anonymous is a fellowship of men and women who share their experience, strength and hope with each other that they may solve their common problem and help others to recover from compulsive debting. The only requirement for membership is a desire to stop incurring unsecured debt. There are no dues or fees for D.A. membership; we are self-supporting through our own contributions."

"D.A. is not allied with any sect, denomination, politics, organization or institution; does not wish to engage in any controversy; neither endorses nor opposes any causes. Our primary purpose is to stay solvent and help other compulsive debtors to achieve solvency."

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Please let us know if there are additional topics you would like us to cover in upcoming issues to help you on your journey through life.- Ellen

PS: Thank you SO MUCH for your referrals! We continue to get new clients as a result of your kind words to friends and associates. Thank you!

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